Credit Risk Advisor

SUMMARY:
Must come out of a strong Customer Service background, Excellent communications skills

POSITION INFO:

Purpose:
Minimize customer risk by gathering and analyzing market and financial data to identify potential risks and recommend mitigation strategies. Build trust and add value through expert knowledge of the company’s services.

Key Responsibilities:

• Risk Management: Conduct financial analysis, assess debtor risk, and secure appropriate collateral. Interpret AFS/MA on-site and recommend suitable actions.

• Client Engagement: Attend client and debtor meetings to discuss risk, insurance, collections, and security. Deliver added value through market insights.

• Operations: Oversee credit risk processes, support team members (SDRs, ACRAs), and manage client portfolios through regular monitoring and reporting.

• Insurance & Claims: Advise on credit insurance policies, manage claims, and liaise with insurers to maximize coverage and recoveries.

• Collections: Oversee pre-legal and legal recovery processes. Liaise with attorneys and guide clients through legal options.

• Business Recovery: Attend liquidation and business rescue meetings. Submit claims and negotiate better terms where applicable.

• Reporting & Administration: Maintain M-Files records, update hit lists, and ensure timely client communication and documentation.

Qualifications & Experience:

• Degree/Diploma in Finance, Economics, Law, or Business Management.

• 3–5 years’ experience in financial risk or credit environments.

• Management and credit insurance experience preferred.

Skills & Competencies:

• Strong analytical, problem-solving, and communication skills.

• Financial acumen and knowledge of legal and recovery processes.

• Proficiency in Microsoft Office and document management systems (e.g., M-Files).

• Tenacity, resilience, and ability to handle pressure.

Reports to: Senior/Regional Credit Risk Advisor
Manages: Up to 2 staff (SDRs/ACRAs)
Liaises with: Clients, Insurers, Legal Partners, Internal Teams